3D Secure in Payments

What is 3D Secure?

3D Secure is an enhanced security protocol designed to protect online payment transactions – basically, a two factor authentication (2FA) of the person performing the transaction to make sure that they are who they say they are.
The 2FA for 3D Secure can be done in many ways – onetime passcode, touch ID, face ID, confirm through an app and more. In Orchestra, we support them all.

How does it work?

With debit and credit cards, the most common ways of authentication are with a one-time passcode sent to the person’s mobile phone or asking the person to approve a prompt in their banking app. The authentication screen is displayed after the person has entered their payment details.

With digital wallets (such as ApplePay and GooglePay), the authentication is usually done using touch or face ID on the device the person is using. The authentication screen is displayed after the person has selected their payment option in the wallet.

Why it’s important

3D Secure can help reduce fraud. It also helps streamline and validate e-commerce purchases. In many places, it is also required as part of the local regulations concerning online payments.

The benefits of using 3D Secure in Orchestra

The primary benefit of our 3D Secure credit card authentication platform is it provides your customers with an extra layer of security that supports fraud protection, but our 3D Secure process has a wide range of other benefits, too.

Prevents Stolen Card Details

Since the individual attempting to make the card-not-present purchase must verify that they’re the rightful card holder, our 3D Secure credit card authentication platform removes the risk of stolen card details being used to purchase services or goods through your site.

Protects From Unauthorized Chargebacks

Removing the risk of stolen card details also means that our 3D Secure credit card authentication platform protects your customers from unauthorized chargebacks, allowing you to minimize the number of disputed transactions and improve sales results.

Shifts Liability

3D Secure shifts liability from the merchant to the payment processor. With 3D Secure approved transactions, the payment processor is responsible for chargebacks and refunds if they occur, protecting the customer’s card details and preventing you from being liable for chargebacks.

Facilitates More International Transactions

Because our 3D Secure process adds an extra layer of security to online transactions, you and your customers can feel more secure making international transactions. This allows you to reach new countries and offer customers more buying opportunities.

Keeps You Compliant

As compliance requirements expand, more and more regions require adding 3D Secure to online transactions.Our platform meets current regulatory requirements for storing and processing credit and debit card transactions, providing customers with a secure shopping experience and keeping your business compliant.

Improves the Customer Experience

When customers feel secure and satisfied with their shopping experience, your sales increase. With 3D Secure’s safe transactions and simple checkout processes, you increase your chances of customers returning to your site to shop again.